Banking Services Layton UT

Students have plenty of options when it comes to choosing a bank. It’s an important decision and you should really weigh your options and research the potential advantages and disadvantages of each bank. Most banks offer students specially designed student banking services and you may even qualify for a student loan if you need it. Remember this is an opportunity to build your credit so use whatever student credit cards and debit cards the bank issues you responsibly. Please scroll down for more information and access to the commercial banks#10# listed below that are ready to help students.

ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Choosing a Bank

By Christopher Schonberger

this article to learn about other investment opportunities.

Beware the fees – Big banks earn a lot of revenue for charging customers for services they don't really want. Read the fine print before you make your choice and be on the lookout for minimum balance fees, ATM fees, checking fees, and bounced check fees.

The credit trap – The easiest way to plunge yourself into debt is to start swiping plastic like a maniac and later discovering you have no money to pay for it at the end of the month. Don't treat credit cards as if they were free money—they're not!

Switching banks – If you are switching banks, make sure all you have your ducks in order first (e.g., make sure all checks have cleared, notify your employer of the change if you receive payment by direct deposit, etc.).

Being suspicious of “banking” is a time-honored tradition that dates back to the days of ancient Greece, when gold was horded in temples by lecherous, inbred priests (at least according to the movie 300). Sometime later, Adam Smith used his “invisible hand” to invent capitalism

, or, as it’s now known, “eBay,” and banks resembling the ones we know today were born.

Things are pretty well regulated these days, but it is still good to bring a healthy amount of wariness to the process of choosing the right bank. Bear in mind that banks make up to 40% of their revenue from the fees they charge on consumer accounts. Like going to the movies, the “feature presentation” (i.e., an account) lures us in and then they turn the screws with overpriced concessions like Swedish Fish and Milk Duds (the banking equivalent of extraneous charges for things we only sort of want).

Getting kicked off the rents’ account sucks, as does cutting ties with the “Bank of West Hicksville” that gave out free Nalgenes during freshman-year orientation. But it’s time to move on. Like many things that are boring in life, choosing a personal banks seems like an arduous task, but a little research and effort can lead to a lot of saved time and money down the line.

Pick an Account, Any Account

Bank accounts are a dime a dozen, and when it comes to basic options most of the major players offer pretty similar terms. Still, you should familiarize yourself with the popular types of accounts before proceeding. It’s worth pointing out that the ability to write checks becomes a lot more important in post-college life when you’re paying rent and other bills, so make sure you will not have to pay extra fees to write the number of checks you need each month.

Basic Checking Account

No minimum balance

Can write checks

Keep money safe but earn little or no interest

Negotiable Order of Withdrawal (NOW) Checking

Earn interest as long as a minimum balance is maintained

Can write checks

Pay penalty fee for dipping below min. balance

Savings Account

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